* Offers financial coaching and planning.
* Provides homebuyer education.
* Participates with lenders to offer down payment assistance.

Home Improvement Program Neighborhood Improvement Program Demolition Program Street Reconstruction Program

* Provides financial education and housing counseling for those thinking about buying their first home or entering homeownership again, currently own a home, or trying to get a handle on finances.

Provides referrals and general information regarding housing. Offers counseling regarding home ownership, negotiations between tenants/landlords and housing grievance complaints, eviction prevention, housing publications, assistance in obtaining rental subsidies, and housing court assistance.

Low to moderate-income families looking to purchase their first home within Chenango or Broome County who need assistance in learning the real estate process and available financing opportunities.

* Offers consumer education and counseling for money and debt management. Debt management and consolidation Bankruptcy counseling Budget and credit counseling Financial education Foreclosure prevention counseling Reverse mortgage counseling Mortgage delinquency and default resolution counseling First-time homebuyer counselingRental counseling* Offer assistance to help low-to moderate-income clients qualify for affordable car loans with local lending partners through, Driven2Success program.

homebuying home ownership home refinancing HUD homes for sale and how to buy one rental assistance programs relocation, foreclosure and eviction services for the homeless housing discrimination

TRIP offers pre and post purchase housing and financial programs and services to assist first time home-buyers and current homeowners to be successful over the long term. Services include individual housing and financial counseling, home-buyer education classes, foreclosure prevention services, landlord training, home repairs, and more.

* Provides pre-purchase and post-purchase counseling classes in home ownership, maintenance and upkeep for home ownership; and First Time Home Buyer Counseling.

* Offers down payment and closing cost assistance.* Assists with housing rehabilitation for owner-occupants of one to four family houses. Part of rehabilitation loan program House inspection and job cost estimate Written specifications and bid process Advisement in selection of contractors* Offers affordable loan financing and counseling for housing rehabilitation and home improvement loans for non-bankable owner-occupants.* Offers HUD-certified housing counselors on staff to offer free Foreclosure Prevention counseling.

Provides rental assistance through Section 8 Housing for families to reside in clean, decent and affordable housing.Apartments available for disabled, seniors and veterans.

Provides housing counseling services, including homebuyer education, home maintenance education, mortgage default/restructuring counseling, tenancy/fair housing counseling, HECM counseling, and financial literacy budget/debt counseling.

* Offers the Home Ownership Program (HOP)* Offers Financial Fitness* Offers an 8 hour class in preparation for first home purchase, online or in person.* Offers post-purchase classes for homeowners

* Provides care management and support services including: Meet your personal health goals and outcomes Coordinate transportation to medical visits Understand your medical needs, even if they are complex, and connect you to the care you need Provide insurance assistance (ACA Marketplace, ADAP, private insurance, Medicaid and Medicaid spend-down, Medicare Part D) Attend medical appointments and pharmacy visits for medication follow-up Find primary care and other kinds of medical care Coordinate referrals and follow through for mental health and substance abuse Explore other services, like nutrition education, day health, our food pantry, and more Housing assistance and planning LGBTQ-focused Care Management services

Offers information and referral on housing options in Broome County, including counseling for first-time home buyers, homeowners in default, budget and credit counseling, rental counseling and rental relocation.

Emergency Housing Provides comprehensive services to at-risk and homeless households to promote retention and maintenance of safe, affordable housing, access to support services and provides case management.Housing Services Provides housing education, counseling, and budgeting guidance for renters, homeowners and potential homeowners.Transitional Housing Provides supports and financial assistance to victims who have become homeless as a result of fleeing an abusive situation.

Pre purchase counseling. All aspects of purchasing a home as well as what to expect as a homeowner will be discussed.

Provides grants to eligible low-to-moderate income first time homebuyers for down payments and closing cost assistance. Provides credit counseling and help in preparing to obtain a home loan.

The Counseling Services Program is tailored to the needs of each customer as they actively work toward individually established goals to improve their financial hurdles to home ownership. Customers meet for at least one hour each month with a Homeowner Counselor. A six-hour home buyer education class detailing the process of purchasing and owning a home is taught once a month. There is one-on-one assistance in filing out forms required to apply for the program and mortgages. Assessments of individual financial management strengths and needs, and individualized assistance in setting and achieving goals in order to successfully qualify for a mortgage are provided. Credit reports are reviewed and clients are taught how to read and understand them. Pre-home ownership and post-home ownership counseling, credit counseling, debt counseling, budgeting, mortgage counseling, how to save, post-home ownership budgeting, savings counseling and mortgage management are available.

The Housing Voucher Program offers rental assistance to eligible low to moderate income families and individuals who want to reside in Chenango County and help them gain safe and adequate housing.Monthly rental payments are provided based on the family size and income. Also, all rental units for the Housing Choice Voucher Program must meet HUD housing quality standards for the occupant's health and safety. The Housing Choice Voucher Program has a wait list (18-24 months) and applicants are encouraged to apply as soon as possible to start the process.

Provides an on-line class to assist families in determining the most viable means of financing a new home and provides basic home buying information.

Provides home owner counseling for first time home buyers and credit counseling for all home owners.

Provides home buyer counseling and ownership readiness training to improve affordable home ownership opportunities to low-moderate income individuals and families.

Vulnerable people are able to obtain and maintain safe and affordable housing.The Apartments at Country Farm1023 NYS Rte 38Owego, NY 13827 607-687-0707Long Meadow Senior Housing5 Browns LnOwego, NY 13827607-687-5554Nichols School House Apartments84 Cady AveNichols, NY 13812607-699-0524Springview Senior Housing80 Spring St Waverly, NY 14892607-565-4812

Comprehensive training in purchasing a house for low- and moderate-income first-time home buyers, including: establishing good credit understanding home financing working with a realtor how house inspections work understanding documents signed at closingthrough traditional classroom setting; four weekly, two-hour sessions with guest speakers online through eHomeAmerica with videos and self-tests, enabling individuals to complete the program at home at his or her own paceOne-on-one counseling on topics from credit counseling to home maintenance.Residents of Cayuga, Chemung, Cortland, Schuyler, Seneca, Tioga, and Tompkins.Offers assistance with down payments; homebuyer education required.